🏦Bank Scorer

FARMERS AND MERCHANTS BANK

MILFORD, NE · Supervised by FDIC

Est. 1949FDIC #16,810RSSD: FDIC-16810
Part ofCOUNTRY BANK SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

617 1st St, MILFORD, NE

County

Seward County

Established

July 5, 1949

Total Assets

$1.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$878M

Net Loans

$229M

Net Income

$2M

ROA

0.87%

ROE

10.53%

Risk-Based Capital

23.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.03%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$827M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202423281.9%6.03%
202325582.35%8.24%
202213180.92%6.11%
202128280.85%9.93%
202041471.98%16.43%
201932982.07%6.99%
201843178.89%9.28%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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